The path to great credit starts with MyPlan.
- Establish or rebuild your credit
- Same-day approval in branch
Build, rebuild or start your credit journey.
MyPlan is the card for anyone.
Whether you’re looking to build credit or repair your credit, the Kinecta MyPlan card can get you on track. It’s designed to help you spend what you can afford with a credit limit that equals the balance in your account. The best part? You’ll have a low annual fee of just $25.
Your benefits
Fast approval — same-day decision for branch or virtual appointments
Zero liability fraud protection — you will not be held responsible for unauthorized transactions
APR* cap — never pay more than 18% APR* for any purchase
More features in more places
- Online card controls: turn your cards on or off, establish spending limits and set up transaction controls
- Card alerts
- No foreign transaction fees
- Digital wallet compatibility — Apple Pay®, Samsung Pay® and Google Pay™
- View more perks in the Mastercard Guide to Benefits brochure
It’s as easy as:
1.
Open a MyPlan card and deposit at least $500 in your Checking account.
2.
Spend what you can afford; your credit line will equal your deposited amount.
3.
Use the card responsibly and apply for our other cards in as little as 6 months.
Access to our convenient Online Banking Portal
Check account balances securely.
Log in using your device’s biometric authentication. Secure your account further with multi-factor authentication.
Make online payments quickly.
With just a few clicks or taps, pay bills online or via the Kinecta app.
Leverage free credit monitoring.
Stay on top of your goals with monthly credit reports, credit score reviews and more.
Freeze your card to prevent fraud.
Lose your card? Use the Kinecta mobile app to immediately stop any unwanted purchases.
Read why Kinecta members love this app.
*APR = Annual Percentage Rate. Rates for purchases, cash advances, and balance transfers may vary and are subject to change. This is Kinecta’s most recent published rate.
MYPLAN TERMS AND CONDITIONS - click here.
Subject to credit approval. You must be 18 years old to qualify (19 in AL and NE).
Kinecta cardholders with an existing credit card are not eligible for a second credit card of the same type.
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Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.